In terms of assigning negligence, injuries sustained at the hands of a driver who is under the influence of alcohol often come with fewer challenges. Since it is more of a hassle to fight the victim's claim and deny liability, it is not uncommon for an insurance company to offer a settlement in these cases, and to do so rather quickly. Fast compensation is ideal, but in drunk driving cases, there can be issues.
Maximum Medical Assessment
When a driver is impaired, their ability to judge and assess dangers is inhibited. Consequently, injuries involving drunk drivers are often extensive. A quick settlement limits your ability to have a medical professional perform a thorough assessment of your injuries. This health assessment is critical to determine the extent of your injuries and your prognosis, which will help determine the actual value of the claim.
Extensive Evidence Review
Again, accidents in which there is a confirmed impaired driver involved are often easier to handle in terms of assigning fault. Yet, it does not mean the case is open and closed. All accident victims should collect as much evidence as they can to support their case, which takes time. It is best to have an attorney who will research the facts behind the accident before accepting an offer from the insurance company.
The severity of this type of accident can lead to economic damages, such as missed time from work and medical expenses, and non-economic damages, such as pain and suffering or loss of consortium. Quick settlements rarely involve compensation for non-economic damages. Calculating the value of these damages is not a simple task. As a result, you will likely come out better if you give your attorney time to assess these values.
Insurance companies typically only offer settlements when they will benefit. Therefore, if you are offered a quick settlement, the harsh reality is that they are likely offering you much less than your claim is worth, in place of you going before a judge or jury and earning the true value of your claim. The ultimate goal is to make you as whole as possible after the tragic event you suffered, so gaining the maximum compensation available to you is always important.
The most important takeaway is to ensure that you have a drunk driving accident attorney so that they can review any offers received, to ensure you are compensated fairly.